Medical Payment Coverage: What Is It? (Part 1)
When you purchase auto insurance, it is easy to focus on the coverages required by law and overlook optional protections that can make a major difference after an accident. One of the most valuable coverages you can have on your Wisconsin auto insurance policy is medical payment coverage, sometimes called Med Pay.
Medical payment coverage can help pay for medical expenses resulting from an automobile accident, regardless of who was at fault. This can provide an important financial safety net when you are injured in a crash.
What Is Medical Payment Coverage?
Medical payment coverage is insurance designed to help pay reasonable medical expenses related to injuries sustained in an automobile accident. Depending on your policy, it may help cover expenses such as emergency room treatment, hospital bills, diagnostic testing, doctor visits, physical therapy, and other accident-related medical care.
One of the biggest advantages of Med Pay is that it generally does not depend on who caused the accident. Even if another driver was responsible for the crash, your own medical payment coverage may be available to help with your medical expenses.
Why Is Med Pay So Important?
After a car accident, medical bills can add up quickly. You may have an ambulance bill, emergency room expenses, imaging, physical therapy, chiropractic treatment, or follow-up appointments with specialists.
At the same time, an injury claim against the at-fault driver's insurance company can take time to resolve. Medical payment coverage can provide an additional source of insurance coverage while your personal injury claim is being handled.
Another important benefit is that Med Pay may be available even when you have health insurance. Depending on the circumstances and your policies, medical payment coverage can help address accident-related expenses and may provide additional protection beyond your health insurance.
How Much Medical Payment Coverage Should You Have?
Medical payment coverage is often relatively inexpensive compared with other types of auto insurance coverage. For that reason, many drivers choose to purchase higher limits than the minimum amount initially offered by their insurance company.
When reviewing your Wisconsin auto insurance policy, consider asking your insurance agent about increasing your medical payment limits. A few additional dollars in premium may provide significantly more protection if you are seriously injured in an accident.
Talk to a Wisconsin Personal Injury Lawyer
If you have been injured in a Wisconsin car accident, understanding all available insurance coverage is extremely important. Medical payment coverage may be one of the resources available to help address your accident-related medical expenses.
At Buss Law, LLC, we help injured Wisconsin residents understand their rights and pursue the compensation they may be entitled to after an accident. If you have been injured in a car crash, motorcycle accident, or other incident, contact us for a free consultation.
Before an accident happens, take a few minutes to review your auto insurance policy. Having adequate medical payment coverage could make a significant difference when you need it most.
If you, or someone you know has been wrongfully injured, contact Buss Law, LLC today for a FREE consultation!
INJURED? “DON’T FUSS, CALL BUSS!”
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